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These three documents are familiar to everyone who has ever visited an apartment: self-information, DieMietschuldenfreiheitsbescheinigung and, of course, schufa proof. Data von67, 5 million private persons has saved protection community for general Kreditsicherungin Germany. That gives her power: without her Bonitätseinschätzungist it’s more difficult to borrow or rent an apartment.
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Almost everyone knows Schufa and some have had bad experiences with it. But cadastral least should be consciously eingewilligthaben in storage of ir data. It is usually hidden in terms and conditions of banks, insurance undMobilfunkanbietern. And even fewer people know how Schufa actually calculates ir score for creditworthiness: Why Dereigene score at 89 percent, which is by neighbor but at 94 percent, is not apparent to many. That wants to change a new campaign now.
Openschufa is name of project Dergemeinnützigen organizations Open Knowledge Foundation and AlgorithmWatch. They want to reveal formula behind SCHUFA score and have refore launched EineCrowdfunding campaign that ended on Thursday. 1,825 supporters have donated 43,344 euros in Vergangenenvier weeks. The targeted 50,000 euros have thus scarcely missed DieInitiatoren, but project is neverless pushed: for start-up financing, only 30,000 euros were necessary.
Openschufa asks for data donation
Now initiative calls for a Datenspendeauf: people should make use of ir right to self-information and its provide SCHUFA information to Openschufa. The Schufa offers Nämlichjedem citizens on ir website to request stored data once a year. Toger with journalists and reporters of Spiegel and Bavarian radio WillOpenSchufa, submitted data will n be analyzed and formula underlying score cracked.
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How’s that going? First a look to Schufa system: from data on accounts, mobile phone contracts and Internet orders, information EineWahrscheinlichkeit determines to what extent consumers can repay a loan ornon. For this, every characteristic, i.e. information wher someone seinenHandyvertrag always pays in time, is converted into a numerical value. Example: zero for Yes, one for no, and n multiplied by a factor. The size of this weighting factor depends on data. If VieleLeute, who do not pay ir mobile phone contracts in time, have particularly often paid back Kreditenicht, corresponding weight is particularly high.
Then, dieSumme of weighted characteristics is brought to a value between zero and one by a special function. The procedure is called logistic regression, it is a standard procedure from statistics. However, exact characteristics that are included in calculation and weighting are unknown in DieserRechnung. This is where Openschufa starts.
Not abolish, but make it more transparent
The project aims to develop a web-app with which own Schufa information can be scanned, safely and Anonymisiertübertragen and n made machine readable. Since DieKampagne will also have access to highly sensitive data, focus is on blackening all personal data as it is entered. This app is supposed to be abMai usable. Even now, more than 16,000 information has been requested within framework of project, said responsible persons. Once re is enough data, Einflussfaktorenund will reconstruct ir weights, again with a logistischenRegression.
The campaign does not want to abolish Schufa and IhrBewertungsverfahren, says Arne Semsrott, project manager of Openschufa, talking to time online. Rar, we advocate a transparent Prozessund of calculations by an independent commission.
